Podcasts about paychecks

Paychecks are grinding to a halt for federal employees as the government shutdown enters its third week. A 2019 law entitles furloughed workers to back pay (though the Trump administration is claiming otherwise), but there are no pay guarantees for millions of government contract workers, who outnumber federal employees nearly two to one. Also on the show: which new tariffs kicked in last night, and why megadeals are driving merger and acquisition activity.

Payday hits, and somehow your paycheck disappears before you even blink. Today, we're walking through a simple routine that makes your paycheck stretch, covering bills, savings, and still leaving room for the fun stuff. Stick with it every payday and see the difference for yourself.

Paychecks are grinding to a halt for federal employees as the government shutdown enters its third week. A 2019 law entitles furloughed workers to back pay (though the Trump administration is claiming otherwise), but there are no pay guarantees for millions of government contract workers, who outnumber federal employees nearly two to one. Also on the show: which new tariffs kicked in last night, and why megadeals are driving merger and acquisition activity.

Many unanswered questions remain about how peace will be maintained in Gaza. As the government shutdown continues, the Pentagon is pulling money for research to pay troops. North Carolina is the latest state to announce a redistricting push. Several parts of the country have been hit by stormy weather and floods. Plus, how Space X's latest rocket launch went down. Learn more about your ad choices. Visit podcastchoices.com/adchoices

As the 2025 government shutdown grinds on with no end in sight, House Speaker Mike Johnson warns of one of the longest shutdowns in U.S. history. Republicans say Democrats are blocking a clean funding bill to push partisan health care demands, while Democrats accuse the GOP of holding the country hostage. Hosts Lee and Terry break down the real motives behind the gridlock — from the fight over free health care for illegal immigrants to the Democrats' growing calls to abolish the Senate filibuster. They connect the dots on how today's budget battle could shape America's political future, constitutional balance, and even control over elections.

President Trump travels to Israel to meet with leaders and hostage families as the peace deal takes effect, mass layoffs take shape as the shutdown continues, and we dig into the latest polling data on two Virginia races. Get the facts first with Morning Wire. - - - Wake up with new Morning Wire merch: https://bit.ly/4lIubt3 - - - Today's Sponsors: American Beverage Association - Learn more about America's beverage companies at https://WeDeliverForAmerica.org ZocDoc - Find and instantly book a top-rated doctor today. Visit https://Zocdoc.com/WIRE #sponsored - - - Privacy Policy: https://www.dailywire.com/privacy morning wire,morning wire podcast,the morning wire podcast,Georgia Howe,John Bickley,daily wire podcast,podcast,news podcast Learn more about your ad choices. Visit megaphone.fm/adchoices

John discusses Trump giving Argentina $20 Billion dollars (during the Government shutdown) and giving Qatar a new Air Force base in Idaho. He also talks about Trump posting that Biden put 274 FBI agents into the crowd on January 6th 2021- even though he was president at the time. Next, he welcomes back historian Kenneth C. Davis to talk about the right to free speech and the horror of GOP book burning that is happening now in our country. And last but not least - John jokes with MST3K star TV's Frank Conniff and they take calls from listeners on current events, crappy movies, and the fubar world of Trump.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

JUSTICE FOR LUNDY!!! Dexter Full Episode Reaction Watch Along   / thereelrejects   Visit https://huel.com/rejects to get 15% off your order DEXTER Season 4, Episodes 1, 2, 3, & 4 Reaction:    • DEXTER SEASON 4 Episode 1, 2, 3 & 4 REACTI...   Support The Channel By Getting Some REEL REJECTS Apparel! https://www.rejectnationshop.com/ With 3 Seasons down & Dexter: Resurrection gearing up for a second season, Andrew & John RETURN to continue their Dexter Season 4 Reaction, Recap, Commentary, Breakdown, & Spoiler Review! Dexter Season 4 Episodes 5, 6, 7 & 8 provide the pivotal middle stretch of the hit 2006 Showtime series that pits Miami Metro's most unlikely blood spatter analyst against one of the most terrifying villains in TV history. Dexter follows Dexter Morgan (Michael C. Hall, Six Feet Under, Paycheck), a forensic blood expert for the Miami Metro Police Department who moonlights as a meticulous vigilante serial killer guided by his “Dark Passenger.” These episodes dive deeper into Dexter's dangerous balancing act as he juggles fatherhood with his dark urges. The stakes skyrocket when the sinister Trinity Killer (John Lithgow, 3rd Rock from the Sun, The Crown) continues his gruesome ritual killings, pushing Dexter closer to exposure. Rita Bennett Morgan (Julie Benz, Buffy the Vampire Slayer, Defiance) begins to suspect something is off at home, while Debra Morgan (Jennifer Carpenter, Exorcism of Emily Rose, Limitless) pushes harder in her investigations. Sgt. Angel Batista (David Zayas, Oz, Gotham) and Lt. Maria LaGuerta (Lauren Vélez, New York Undercover, Oz) also wrestle with personal and professional conflicts, while Vince Masuka (C.S. Lee, Chuck, The Sopranos) provides his trademark levity. Join Andrew & John as they dive into the suspense, shocking twists, and psychological complexity that makes Dexter Season 4 one of the most acclaimed arcs in the entire series. Follow Andrew Gordon on Socials:  YouTube: https://www.youtube.com/@MovieSource Instagram:  https://www.instagram.com/agor711/?hl=en Twitter:  https://twitter.com/Agor711 Intense Suspense by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... Support The Channel By Getting Some REEL REJECTS Apparel! https://www.rejectnationshop.com/ Follow Us On Socials:  Instagram: https://www.instagram.com/reelrejects/  Tik-Tok: https://www.tiktok.com/@reelrejects?lang=en Twitter: https://x.com/reelrejects Facebook: https://www.facebook.com/TheReelRejects/ Music Used In Ad:  Hat the Jazz by Twin Musicom is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Happy Alley by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/... POWERED BY @GFUEL Visit https://gfuel.ly/3wD5Ygo and use code REJECTNATION for 20% off select tubs!! Head Editor: https://www.instagram.com/praperhq/?hl=en Co-Editor: Greg Alba Co-Editor: John Humphrey Music In Video: Airport Lounge - Disco Ultralounge by Kevin MacLeod is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Ask Us A QUESTION On CAMEO: https://www.cameo.com/thereelrejects Follow TheReelRejects On FACEBOOK, TWITTER, & INSTAGRAM:  FB:  https://www.facebook.com/TheReelRejects/ INSTAGRAM:  https://www.instagram.com/reelrejects/ TWITTER:  https://twitter.com/thereelrejects Follow GREG ON INSTAGRAM & TWITTER: INSTAGRAM:  https://www.instagram.com/thegregalba/ TWITTER:  https://twitter.com/thegregalba Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIn this episode of Ficonomy, we break down three powerful stories shaping the economy right now and what they mean for you.Segment 1: Why new grads are facing one of the toughest job markets in years, and what that says about the future of work.Segment 2: How the government shutdown is making it harder to see where the economy really stands — and why that uncertainty could hit your wallet.Segment 3: The shocking gap in life expectancy between rich and poor Americans, and how financial inequality is becoming a matter of life and death.We unpack these headlines in plain English connecting the dots between data, policy, and daily life and share practical steps you can take to stay prepared no matter what the economy throws at you. What You'll LearnWhy entry-level job seekers are being left behind (and what to do about it)How government shutdowns ripple through the economy, even if you're not a federal workerThe hidden cost of inequality: how money, health, and lifespan intertwineSimple financial habits to stay resilient in uncertain timesHow to read between the lines of economic news without getting overwhelmed Key TakeawaysAdaptability is the new job security. Skills, not titles, drive stability.Data delays = economic blind spots. Stay informed through multiple sources.Financial health and physical health are connected. One supports the other.Small steps > perfect plans. Building resilience matters more than predicting the future. Practical ActionsUpskill in areas that are still hiring (tech, trades, healthcare).Keep 3–6 months of expenses in an emergency fund.Track private job data (ADP, Indeed) when official numbers are missing.Schedule a preventive health check-up this quarter.Revisit your budget and automate savings.Support local and national policies that protect worker stability and access to healthcare. Episode LinksCNBC: New grads face rising unemployment amid cooling job marketCNBC: Government shutdown delays jobs report, clouds economic pictureCBS News: Low-income Americans die nine years younger than high-income AmericansSupport the show

Why do so many high-earning pilots struggle to build real wealth?Hosts Tait Duryea and Ryan Gibson get candid about the habits, mindset, and blind spots that keep aviators from achieving true financial independence. They reveal the five biggest mistakes pilots make, from lifestyle creep and tax traps to ego-driven investing, and how to replace them with smarter, more sustainable wealth strategies. Whether you're a first officer just starting out or a captain eyeing retirement, this conversation will challenge how you think about money, success, and the long game of building lasting freedom.Show notes:(0:00) Intro(1:32) The pilot ego and knowing it all(3:14) Why pilots don't get rich(7:01) The 401(k) balloon problem(11:37) Multiple streams of pilot income(18:25) #1 Lifestyle creep and paycheck trap(19:21) #2 The investing knowledge gap(20:31) #3 Ego over education(21:46) #4 The silent thief: Taxes(23:24) #5 Peer pressure and social influence(29:37) OutroEpisode suggestions:#10 - Reduce Your Taxes & Maximize Returns Using PROVEN Investment: https://tinyurl.com/2kmd7y7z#14 - Depreciation Demystified: Cost Segregation and Tax Savings in Real Estate: https://tinyurl.com/4e2nex6d—If you're interested in participating, the latest institutional-quality self-storage portfolio is available for investment now at: https://turbinecap.investnext.com/portal/offerings/8449/houston-storage/ — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

Jon is joined in studio by MN Rep Max Rymer, Grace Keating, and AK Kamara. The group looks at political commentary in schools, a cancelled Apple TV show, and a suspicious sounding plan to treat our drinking water.

In this episode of Money & Meaning, host Jeff Bernier welcomes Rob Hoxton, founder of Hoxton Planning & Management and host of the Last Paycheck podcast. Rob shares his journey from aspiring minister to financial planner, exploring how life experiences shaped his unique approach to wealth management. They examine the evolving role of financial advisors, the impact of AI, and how to define a meaningful retirement. The conversation offers a compelling look at purpose-driven financial planning, multi-generational firm growth, and Rob's vision for making a difference in underserved communities. Topics covered: ● Rob Hoxton's path from ministry to financial planning ● The philosophy behind Grow Greener and Think Ahead ● Defining “live rich vs. die rich” in financial planning ● Experience at Goldman Sachs and returning to independence ● Working with his son and building a multi-generational firm ● The future of financial planning with AI and technology ● Using AI tools to enhance human connection in advising ● Childhood money memories and their impact on financial behavior ● Helping clients uncover what matters most through money mind exercises ● Reframing retirement as a purpose-driven next act ● Rob's “why” and the mission to serve more families ● Launching Shepherd University's financial planning program ● Looking forward: Rob's excitement for family, business, and mentorship ● Encouragement for listeners seeking the right financial advisor Useful Links: Rob Hoxton on LinkedIn Hoxton Planning & Management Last Paycheck Podcast Jeff Bernier on LinkedIn TandemGrowth Financial Advisors

Steve Schibsted preaches 'More than a Paycheck', Piedmont Community Church, Piedmont, California

Attorney General Pam Bondi faced intense scrutiny from Senate Democrats during a Judiciary Committee hearing on the Trump administration's handling of Jeffrey Epstein's documents but she pushed back with facts, conviction and the truth and it was amazing!▶Sign up to our Free Newsletter, so you never miss out: https://bio.site/professornez▶Original, Made in the USA Neznation Patriot Merch: https://professornez.myspreadshop.com/all

Updates available on militarymoneymanual.com/shutdown Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month USAA Government Shutdown Program 0% loan, credit check required, up to $6,000 Navy Federal Government Shutdown Assistance, Paycheck Assistance Program 0%, no credit check required, up to $6,000 PenFed Service Credit Union Spencer Reese delivers a timely solo episode addressing the 2025 federal government shutdown and its impact on military families. Recorded on October 8th, just days into the shutdown, this episode provides practical, actionable guidance on navigating the financial challenges of missed paychecks, accessing zero-interest loans from military-friendly banks, and protecting yourself from shutdown-related scams. While the Military Money Manual typically focuses on evergreen content, this episode addresses an urgent situation affecting active duty service members, federal employees, and military contractors. Topics Covered Government Shutdown Basics: Active duty military deemed mission essential, must continue reporting to work October 1st paycheck protected (work performed in September) October 15th paycheck at risk Historical precedent: 2018-2019 Coast Guard missed paychecks for 35 days Backpay is guaranteed by law once shutdown ends Veterans, retirees, VA disability, and Social Security payments protected (separate funding sources) USAA Government Shutdown Assistance Program: https://www.usaa.com/support/government-shutdown-program/ Zero-interest loan: $500-$6,000 based on last direct deposit amount Requirements: Direct deposit established before shutdown, at least one qualifying deposit in 30 days prior, US/military address (APO/FPO/DPO), credit approval required Repayment: 3 months, two equal installments (first payment ~60 days, second ~90 days) Additional relief: Auto/property insurance payment relief Credit cards: 3-month payment extension Consumer loans: 2-month extension with no interest Overdraft fees waived Home equity lines: 3-month payment extension Navy Federal Paycheck Assistance Program: https://www.navyfederal.org/about/government-shutdown.html Zero-interest loan: $250-$6,000 based on last direct deposit Major advantages: No credit check, not reported to credit bureaus Eligibility: Federal employees, active duty service members, federal contractors paid directly by government (broader than USAA) Registration deadline: Day before scheduled payday for funds on normal pay date (can register up to 3 days after, but won't receive funds immediately) Automatic repayment: Once direct deposit resumes, Navy Federal automatically deducts loan amount Backup repayment: If shutdown continues, repayment occurs 6 days after loan receipt Service Credit Union Options: 0% APR for up to 4 months No payments for up to 90 days Up to $5,000 for qualifying members Standard underwriting criteria applies (may require credit check) Military Aid Societies (All Interest-Free): Air Force Aid Society – Falcon Loans up to $1,500 and Standard Assistance, up to 24 months of repayment. Space Force also eligible. Navy-Marine Corps Relief Society – Quick Assist Loan and Financial Assistance available Army Emergency Relief – Normally assistance available same day but no later than 48 hours. AER will provide rapid, zero-interest loans to help cover financial needs until normal operations and back pay resume. Assistance is available up to the amount of one net paycheck (maximum $6,000), with repayment beginning once pay is restored. If you or someone you know may be affected, please share this information. More information here. Coast Guard Mutual Assistance – Quick Loan program up to $1,000, Shutdown Loan up to 1 month's BAH per month Historical Context: 2011: Near shutdown (averted) 2013: 16-day shutdown 2018: 3-day shutdown 2018-2019: 35-day shutdown (Coast Guard NOT paid) Bipartisan political theater regardless of which party controls Congress Military pay typically protected by last-minute "Pay Our Troops Act" Immediate Action Steps Reduce non-essential expenses - No big purchases or travel bookings Contact lenders - Request payment deferrals on mortgage, car, rent, student loans, credit cards Apply for 0% loans - Through USAA, Navy Federal, or Service Credit Union if needed Reach out to aid societies - Before considering any payday loans, auto title loans, or carrying credit card debt Watch for scams - Only use verified websites (USAA.com, NavyFederal.org), hang up and call back on suspicious calls Long-Term Action Steps Build an emergency fund - Minimum $1,000, ideally $10,000+ Switch to military-friendly bank - If current bank doesn't offer shutdown assistance Break paycheck-to-paycheck cycle - If missing one paycheck derails your finances, you have a financial emergency Turn off the news - Constant updates increase anxiety without adding value Focus on what you can control - Maintain internal locus of control Critical Security Warnings Scam Prevention: Only access programs through official websites: USAA.com and NavyFederal.org DO NOT use payday lenders or auto title loan companies DO NOT go through intermediaries If you receive a phone call claiming to be from Navy Federal or USAA, hang up and call back using verified number from app or official website Verify all communications independently Key Takeaways Don't panic - This has happened before and will likely happen again You will be backpaid - Military pay typically protected; backpay is guaranteed by law Assistance is available - Multiple 0% loan options and interest-free aid society loans Use this as motivation - Build financial resilience and emergency funds Emergency funds are essential - Perfect example of why military members need cash reserves Related Episodes Episode 95: Previous government shutdown episode (check for still-relevant information) Resources & Links Military-Friendly Banks: USAA.com - Government shutdown assistance NavyFederal.org - Paycheck assistance program Service Credit Union - Shutdown loan program Military Aid Societies (Interest-Free Loans): Air Force Aid Society - Covers Air Force and Space Force Navy Marine Corps Relief Society - Quick assist loans Army Emergency Relief - Same-day to 48-hour assistance Coast Guard Mutual Assistance - Quick loan program Apply for Assistance: Register with Navy Federal by day before payday for funds on schedule USAA requires credit approval (new requirement) Aid societies offer interest-free alternatives to commercial loans Who This Episode Is For Active duty military facing potential missed paychecks Federal employees impacted by shutdown Federal contractors paid directly by government Military spouses managing finances during shutdown Anyone needing immediate financial assistance during government disruptions Contact Information Host: Spencer Reese Connect: Website: MilitaryMoneyManual.com Instagram: @MilitaryMoneyManual Share this episode with others in your unit or squadron so they know the steps to take during a government shutdown. Spencer and Jamie offer one-on-one Military Money Mentor sessions. Get your personal military money and personal finance questions answered in a confidential coaching call. militarymoneymanual.com/mentor Over 20,000 military servicemembers and military spouses have graduated from the 100% free course available at militarymoneymanual.com/umc3 In the Ultimate Military Credit Cards Course, you can learn how to apply for the most premium credit cards and get special military protections, including waived annual fees, on elite cards like the American Express Platinum Card® and the Chase Sapphire Reserve® Card. https://militarymoneymanual.com/amex-platinum-military/ https://militarymoneymanual.com/chase-sapphire-reserve-military/ Learn how active duty military, military spouses, and Guard and Reserves on 30+ day active orders can get your annual fees waived on premium credit cards in the Ultimate Military Credit Cards Course at militarymoneymanual.com/umc3 If you want to maximize your military paycheck, check out Spencer's 5 star rated book The Military Money Manual: A Practical Guide to Financial Freedom on Amazon or at shop.militarymoneymanual.com. Want to be confident with your TSP investing? Check out the Confident TSP Investing course at militarymoneymanual.com/tsp to learn all about the Thrift Savings Plan and strategies for growing your wealth while in the military. Use promo code "podcast24" for $50 off. Plus, for every course sold, we'll donate one course to an E-4 or below- for FREE! If you have a question you would like us to answer on the podcast, please reach out on instagram.com/militarymoneymanual.

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Across America, flight cancelations and delays are affecting travel because of Trump's government shutdown. Air Traffic Controllers will not get paid if the shutdown continues much longer. The Department of Transportation reports an increase in air traffic controllers calling in sick since the shutdown started, though their union denies any coordinated work actions. The National Air Traffic Controllers Association says this highlights the ongoing issues of being critically staffed with unreliable equipment. Hundreds of Texas National Guard troops arrived in Illinois yesterday. Their presence heightens the showdown between Donald Trump and Illinois governor JB Pritzker, who says he neither needs nor wants National Guard intervention in his state. We welcome presidential historian and political analyst John Rothmann into the show to discuss. Belinda Waymouth is back with “It's the Planet, Stupid!” and this time she's brought a guest. Tom Ford with The Bay Foundation will join to talk about a conservation project to strengthen critical kelp forests that have been shrinking with alarming speed off the California coast.

Michelle Barone and Ashleigh McPherson get real about the jobs that shaped them—long before cameras and headlines. It's funny and unfiltered, but it's also about power: learning to speak up, set boundaries, ask for the raise, and turn every “odd job” into on-purpose experience. This one's a love letter to women finding their voice at work—and hyping each other while we do it.-----------------------------------------------------Support Our Sponsors!Mental Health America of Dutchess County: Dedicated to promoting mental health and providing comprehensive support services to individuals and families. Learn more and find resources at https://mhadutchess.org.WAVA Water: Discover how Wava Water goes beyond hydration to fuel your body and mind. Visit wavawater.com to find your focus and stay refreshed.Pixi Beauty: Discover the natural glow with Pixi Beauty products. Shop now at https://pixibeauty.com and let your skin shine.Derma Laser Center: Schedule your Consultation Now! https://www.dermalasercenterny.com/Mahoney's Irish Pub: Friday nights at Mahoney's Irish Pub are where the vibes are HIGH, the drinks are flowing, and the weekend officially begins!-----------------------------------------------------Subscribe to the podcast now: https://www.youtube.com/@michellebaroneredpodcast Check out RED on Instagram: https://www.instagram.com/michellebaronered?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw== Follow Michelle Barone Instagram:  https://www.instagram.com/michellebaroneonline/ Tiktok: https://www.tiktok.com/@michellebarone?is_from_webapp=1&sender_device=pc Follow Ashleigh McPhersonInstagram:  https://www.instagram.com/ashhmcpherson/ Tiktok: https://www.tiktok.com/@ashhmcpherson?is_from_webapp=1&sender_device=pc YouTube: https://www.youtube.com/@Ashmcpherson Check out RED for more: https://michellebaroneonline.com/ 

The real world impact of the government's shutdown is starting to show as Donald Trump raises the stakes by threatening paychecks. Plus, the attorney general who's been under fire from the left and right takes a field trip to Congress.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Buckle up, y'all, because we're getting into one of the most critical (and most avoided!) topics in private practice ownership … paying yourself an actual salary.I'm talking with the brilliant Carla Titus, a fractional CFO who helps mental health group practices and healthcare providers get financially healthy. Carla works with everyone from solo practitioners to seven-figure practices, and she's the kind of person who speaks truth to us in a way that we need to hear it. :)Because here's the thing … You're not running a charity. You're running a business. And CEOs don't work for free – so why should you?In this episode, you'll learn:What's really going on when you don't pay yourself a salary. (Hint: it's not because you don't have the cash.)When debt could be a GOOD thing.

In this conversation, John Rummel discusses the intricacies of obtaining a real estate license in Western New York, highlighting the financial and time commitments involved. He emphasizes the importance of setting realistic expectations for new agents, particularly regarding the timeline for receiving their first paycheck after closing a sale. Rummel warns against overly ambitious attitudes that can lead to disappointment and failure in the competitive real estate market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

If you're within ten years of retirement (early or traditional age) or just want to get a head start on going from being a saver to a spender, this episode is for you. Decumulation without drama—that's the mission as retirement pros Dana Anspach (Sensible Money) and Fritz Gilbert (The Retirement Manifesto) join the show to turn “build-your-own paycheck” into a repeatable process. Dana lays out why drawdown is a hundred small decisions, not one big leap; and Fritz brings in the field notes. Together they demystify: Tax Pitfalls Timing Social Security Asset Allocation and Location Why Most Retirees Underspend The big takeaway: document the plan, automate the paycheck, and give yourself permission to enjoy the “go-go” years—because money's job is to fund a life, not gather dust.   

In this episode of Tell The World Podcast, Otha Lee gets real about the one thing most people overlook while chasing success — peace of mind. You can't build an empire with a restless mind or grow in chaos. This episode breaks down why protecting your peace is just as important as protecting your paycheck.     #TellTheWorldPodcast #ProtectYourPeace #MotivationalPodcast #MindsetMatters #StayFocused #PeaceOverChaos #MentalClarity #EnergyProtection #SelfGrowth #EinsteinWisdom #PositiveVibesOnly #PodcastMotivation #LikeMindsThinkAlike #BreakThroughChaos #StayGrounded #OthaLee #MotivationDaily #TrueLifeBranding #PeaceIsPower  

SEND ME A TEXT MESSAGE NOWThe shutdown is not a glitch. It is not paperwork stuck in a drawer. It is the sound of a government slamming its own face into a wall.They call it gridlock. They call it a standoff. That is polite language for a demolition derby where the drivers are drunk and the cars are already on fire.In this episode I pull apart what is really happening behind the headlines. The shutdown is not clean. It is not temporary. It is a blunt weapon being swung at the people who can least afford it.The people who are supposed to keep the lights on are playing blackout bingo. Parks closed. Paychecks missing. Agencies gutted. The one thing still open is the finger pointing factory.In this episode I break down how billions meant for real infrastructure have been ripped away. The money was not lost. It was seized. Chicago is being used as a prop in a political revenge show.You are not watching leaders make choices. You are watching toddlers fight over the matchbook while the house burns down around them. And in this episode I connect how those tantrums affect every single taxpayer.The system that promised neutrality is now a megaphone for propaganda. Federal agencies are posting partisan talking points like campaign interns. In this episode I take that apart and ask what it means when the rules no longer apply.The shutdown is not the story. The story is how much damage they can do while everything is shut down. And in this episode I show you exactly how the damage is spreading.And the real headline is not whether government reopens tomorrow. The real headline is whether democracy itself makes it out alive.Looking forward to your comments and feedback. Email me at:WolfPackTalks@gmail.com AWorldGoneMadPodcast@gmail.com

Tune in to this week's episode as Jamie welcomes colleague and Equity Solutions Executive, Mark Flock, back to the show to explore how associates and owners can build mutually beneficial partnerships that go far beyond a traditional paycheck. As the dental industry evolves, equity opportunities are becoming a powerful tool for retaining talent, fueling growth, and creating long-term value for both associates and owners. Be sure to listen to the full show to catch a compelling story around how empowering doctors through ownership can launch production that's a winning scenario for all! Find the ADA's updated U.S. Dentist Workforce Report here. [August 2025]

This episode is all about

Snag Our Simplified Budget System!Learn About Office Hours!Budget besties, we've got a very special guest on the pod today… our very own teammate and financial coaching pro, Michelle!

In this episode of the Tell The World Podcast, Otha Lee Barnes breaks down the reality of the government shutdown—beyond the politics and headlines. Who really gets hurt when paychecks stop, contracts freeze, and families are left waiting? With the wisdom of Einstein as inspiration—reminding us that “in the middle of every difficulty lies opportunity”—this episode is not just about struggle, but about strength. Learn how to stay motivated, keep building, and rise above uncertainty when the system hits pause. Because your life, your purpose, and your dreams can't afford a shutdown. #TellTheWorldPodcast #GovernmentShutdown #EinsteinWisdom #StayMotivated #MindsetMatters #BuildNotBreak #PowerMoves #Resilience #OpportunityInChaos #LevelUpYourLife #KeepBuilding

"You won't become wealthy by saving your money, you also won't become wealthy by earning a big salary alone, and you definitely won't become wealthy if you spend all your money at BMW and Gucci trying to look rich." This episode is the complete wealth building manual you never got in school. Jaspreet breaks down the exact seven-step system that transforms regular paychecks into serious wealth, starting with why your mindset about money is probably keeping you broke. No fluff, no get-rich-quick schemes, just the proven path from paycheck to financial freedom. What You'll Learn: Why money flows to investors while employees and consumers stay broke The harsh truth about why inflation makes the rich richer and everyone else poorer How to escape the financial danger zone with $2,000 and zero credit card debt The 75/15/10 rule that automatically builds wealth from every paycheck Why financing anything that doesn't pay you is financial suicide The "buy five of them" rule for luxury purchases that actually makes sense How to protect your wealth once you've built it (attorneys, insurance, and accountants) Jaspreet reveals why our economic system is designed to benefit investors and punish everyone else, then shows you exactly how to flip sides and join the winning team.  Want more financial news? Join Market Briefs, my free daily financial newsletter: https://www.briefs.co/market Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

Federal workers who took the Trump administration's buyout offer come off the payroll at the end of September. Now some are confronting fear, regret and uncertainty as they figure out what's next.

It's never too late to follow your passion but real life doesn't hit pause. This is the story of building our first indie game while juggling a full-time job, family life, and all the responsibilities that come with adulthood. From finding a partner who shared the dream, to navigating burnout, budget limits, and baby naps, we learned that progress is possible even if it's slow. If you're trying to balance creativity with real-world commitments, this talk is for you.

In legacy markets, no one's asking for your product, and that's the point. In this episode of The Predictable Revenue Podcast, our host Collin talks with Vinay Jayachand, co-founder of HummingbirdEV, about building electric vehicles for commercial use in the mining and agriculture industries, where resistance to change is the norm. But this isn't about EVs. It's about what it takes to earn trust, find traction, and adapt fast in hard, skeptical markets. If you're a founder or operator chasing product-market fit in the real world, here's what to take with you. Highlights include: Prototyping and Customer Validation (11:05), Scaling and Expanding Customer Base (17:40), Realizing Product Market Fit and Future Directions (23:48), and more... Stay updated with our podcast and the latest insights on Outbound Sales and Go-to-Market Strategies!

SUMMARY: In this episode, Aaron and Terryn explore how entrepreneurs can break free from being the central “kingpin” of their businesses. Drawing on insights from Dr. Jim Bob Haggerston's entrepreneurial journey, they discuss the dangers of burnout, the importance of hiring and developing strong number twos, and the balance between skill and desire when building a team. The conversation also covers when to grow leaders versus when to hire them, why belief in the mission matters, and how to find easy on-ramps into adjacent businesses. For founders and operators alike, this episode offers practical advice on creating systems, building margin, and scaling sustainably.   Minute by Minute: 00:00 Introduction 02:00 Multiplying Resources Without Being the Kingpin 03:20 Finding the Frustration: What's Pissing You Off? 04:10 Dr. Jim Bob's Story: From Burnout to Systems 06:00 The Solopreneur Journey and Hiring the First Team 07:30 Growing Leaders vs. Hiring Leaders 08:50 The Power of a Strong Number Two and EAs 10:00 Building Systems for Scale and Communication 11:30 Skills vs. Desire in Next-Gen Leaders 14:00 Growing Culture From Within vs. Hiring Talent In 15:25 Belief in the Mission Over Just a Paycheck 18:00 Business Adjacency: Starting New Ventures the Smart Way 21:00 Final Takeaways: Systems, Margin, and Sustainable Growth

Not every paycheck-to-paycheck cycle is caused by poor spending habits, sometimes the root issue is your income.In this episode, I unpack the three most common reasons people face an income problem, and why acknowledging it isn't about shame but empowerment. From cost-of-living mismatches to household changes to underearning, I explain how to identify the real gap in your budget so you can finally make a plan that works.Through client examples, including Emily's story of adding income to ease her family's finances, you'll hear how reframing an income problem can lead to solutions that actually support your lifestyle and values. Because the truth is, you don't have to cut back harder or live with guilt. You may simply need to earn more.Listen in to learn:[01:40] How to know if your paycheck-to-paycheck cycle is mindset or income[04:12] Why cost-of-living mismatches create hidden income problems[07:58] Household and lifestyle changes that shrink your paycheck overnight[12:40] The trap of “money ceilings” and underearning[17:15] How to identify the real gap between your income and expenses[21:45] Why knowing your numbers is empowering—not shamefulTune into this episode of Money Files to discover how to identify and solve income problems so you can finally stop living paycheck to paycheck.Get full show notes and the episode transcript:  https://wealthovernow.com/how-to-know-if-your-paycheck-to-paycheck-cycle-is-an-income-problem/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

What if retirement feels more like a rut than a reward? In this episode, Jim Fox tackles the emotional side of retirement—boredom, purpose, and the one-third of retirees who aren’t happier after leaving work. Through personal stories and heartfelt advice, Jim encourages listeners to build a “punch list” of meaningful goals and find fulfillment beyond finances. Whether it’s volunteering, reconnecting with family, or rediscovering a passion, this episode is a reminder that happiness in retirement starts with intention, not income. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

The idea of being driven by a calling goes back centuries. It was the language used to describe religious people who were called to the priesthood. Today, millions of people in secular professions yearn to be similarly galvanized by their work. This week, researcher Jennifer Tosti-Kharas explores the immense power — and the downsides — of finding a job that gives you purpose.Do you have follow-up questions or stories that you'd like to share with Jennifer Tosti-Kharas? Have you found a calling that gets you up in the morning each day? Are you a skeptic of callings, or do you have questions about how to make your work more meaningful? If you'd be willing to share your questions, stories and comments with the Hidden Brain audience, please record a voice memo on your phone and email it to us at ideas@hiddenbrain.org. Use the subject line “calling.”If you love Hidden Brain, please consider joining our podcast subscription, Hidden Brain+. All through the month of September, listeners who subscribe to Hidden Brain+ on Apple Podcasts will have access to an extended 30-day free trial. To access that trial, find Hidden Brain on Apple Podcasts and click the “Try Free” button. Or go to apple.co/hiddenbrain. And there are still tickets available for our upcoming live shows! We'll be in Baltimore on October 11, Washington, D.C. on October 12, and Los Angeles on November 22. More info and tickets are at hiddenbrain.org/tour.Episode illustration by Evelina Mitev for Unsplash+ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ever wondered why it's so hard to get business leaders interested in team wellness? In this conversation with Alex Cartmill, operator of Vibrant Yoga, Cam and Otis explore the fascinating intersection of wellness and business leadership."If the leader doesn't have a personal issue, they're likely not going to recognize an issue in the team," Alex explains, revealing one of the biggest challenges in bringing yoga and wellness practices into corporate environments. From discussing how to "open the door" with skeptical executives to exploring what happens when team members discover their purpose (and sometimes leave), this episode offers rare insights into the human side of business wellness.The conversation takes an unexpected turn when Otis suggests "Hard Rock Yoga" as a potential way to break through to resistant clients—and Alex doesn't immediately dismiss the idea. There's a genuine exploration of how wellness practices need to meet people where they are, not where wellness professionals wish they would be.Whether you're a business leader curious about team wellness or a wellness professional trying to break into the corporate world, this episode offers practical wisdom about building bridges between these often-disconnected domains.More About Alex:Alex has been an entrepreneur his entire life and now runs a business as an operator for other growing organizations -- through both hands-on & advisory work. Alex is currently helping manage Vibrant Yoga, a corporate & private wellness company based out of Chicago. After a short stint as a Personal Trainer, Alex began managing a business development program and mentorship for health professionals, building a team of more than 10 and taking in over 6,000 students during his 4-year stint there. Since then, Alex has been managing businesses and projects for a variety of remote organizations, from General Manager of Personal Trainer certification body Fitness Mentors, to Director of Operations of marketing consultancy Forget The Funnel, to continuously growing and adapting his own business as an operator. Alex resides in Portland, OR, with his furry companion, Charlie.Join their live session on September 25 on https://www.instagram.com/vibrant.yoga/. Here's the link to the event on LinkedIn: https://www.linkedin.com/events/7368338232104665090#10xyourteam #CorporateWellness #TeamWellness #BusinessLeadership #MindfulLeadership #WorkplaceWellbeing #LeadershipAndHealth #PurposeDrivenTeams #EmployeeWellness #WellnessAtWork #HealthyLeadership #TribeAndPurpose #BusinessGrowthMindsetChapter Times and Titles:The Entrepreneurial Journey [00:00 - 10:00]Introduction to Alex CartmillFrom personal trainer to business operatorBuilding wellness businesses that scaleBreaking Down Wellness Barriers [10:01 - 20:00]The challenge of introducing yoga to businesses"Opening the door" with skeptical executivesMeeting clients where they areHard Rock Yoga? [20:01 - 35:00]Otis's unexpected business suggestionAdapting wellness practices for different audiencesThe balance between tradition and innovationWhen Leaders Don't See Team Issues [35:01 - 45:00]"If the leader doesn't have a personal issue..."The challenge of pre-qualifying clientsHow stress manifests in teamsPurpose Beyond the Paycheck [45:01 - 50:00]What happens when team members find purposeThe risk and reward of helping people growLong-term benefits of purpose-driven teamsConnecting with Vibrant Yoga [50:01 - End]How to reach Alex at vibrant.yogaFinal thoughts on wellness in businessStandard outro with CamdenAlex Cartmillhttps://vibrant.yoga/https://www.facebook.com/VibrantYogaChicagohttps://www.instagram.com/vibrant.yoga/https://www.linkedin.com/company/vibrant-yoga

In Episode 13 of Season 2, Ali Stofflet offers a refreshingly candid look at entrepreneurship, anxiety, and the myth of the “dream business.” With heartfelt honesty, she shares her journey from owning a holistic parenting product distribution company to reentering the workforce as the Director of Business Outreach and Growth at the Greater Arvada Chamber of Commerce.Ali discusses how the pressure of business ownership triggered panic attacks and constant stress, ultimately leading her to seek stability, collaboration, and a sense of peace through a W-2 role. Her story challenges the glamorized narratives of small business ownership often found on social media, and instead highlights the invisible labor, emotional toll, and self-doubt that frequently accompany the entrepreneurial path.This episode explores the deeper truth that ambition and anxiety often co-exist, and that success isn't always about pushing harder. It's sometimes about choosing differently. Ali discusses how communities can better support small business owners not just economically, but emotionally. She also unpacks the power of collaboration, the need for honest conversations about burnout, and the importance of shifting public perceptions around entrepreneurship.In a surprising and metaphor-rich segment, Ali reflects on what beekeeping has taught her about business, community, and grace. Her reflections offer both personal insight and collective wisdom, especially for anyone questioning the roles they're expected to play.Guest Information:Linkedin: https://www.linkedin.com/in/alexandra-ali-stofflet-90a494a6/References:Greater Arvada Chamber of Commerce – https://www.arvadachamber.org/Porchlight Family Justice Center – https://www.porchlightfjc.org/Arvada Sunrise Rotary – https://arvadasunriserotary.org/Don't forget to subscribe and leave a review if you enjoyed this episode.Credits and Acknowledgements:Hosted, Produced, and Edited by Heather Pridemore. https://www.linkedin.com/in/heather-pridemore-mba/Thank you for tuning into small acts of rebellion. Ready to start a revolution? Please share it with others who aspire to redefine success on their own terms.Don't forget to subscribe for more stories of personal and professional defiance. For additional content, follow us on Instagram @smallactsofrebellionpodcast & @PridemoreCoaching and visit us at PridemoreCoaching.com.Keep owning your story!

Jaspreet Singh is a No. 1 ranked financial influencer and founder of the massively popular Minority Mindset YouTube channel. From there, he launched Briefs Media, a platform with newsletters and courses that turn complex financial topics into accessible wisdom for investors. The Minority Mindset has more than 2 million subscribers and Jaspreet is a favored guest on renowned podcasts including Lewis Howes, Tom Bilyeu, Steven Bartlett and Jay Shetty. His commitment to simplicity and integrity in financial education makes him a standout voice in the industry. Follow Jaspreet on YouTube, Instagram, and TikTok for free financial wisdom and visit Briefs Media to sign up for his daily financial newsletter for regular investors. Today on the show we discuss: the biggest money lie that keeps most people broke, why the rich focus on owning assets instead of climbing the corporate ladder, how to break free if you're stuck living paycheck to paycheck, exactly what to do with your next paycheck, Jaspreet's simple investing framework anyone can follow, why sacrifice and discipline matter more than shortcuts, the traps that keep people buried in debt, why financial education is more valuable than a degree, and much more. ⚠ WELLNESS DISCLAIMER ⚠ Please be advised; the topics related to health and mental health in my content are for informational, discussion, and entertainment purposes only. The content is not intended to be a substitute for professional advice, diagnosis, or treatment. Always seek the advice of your health or mental health professional or other qualified health provider with any questions you may have regarding your current condition. Never disregard professional advice or delay in seeking it because of something you have heard from your favorite creator, on social media, or shared within content you've consumed. If you are in crisis or you think you may have an emergency, call your doctor or 911 immediately. If you do not have a health professional who is able to assist you, use these resources to find help: Emergency Medical Services—911 If the situation is potentially life-threatening, get immediate emergency assistance by calling 911, available 24 hours a day. National Suicide Prevention Lifeline, 1-800-273-TALK (8255) or https://suicidepreventionlifeline.org.  SAMHSA addiction and mental health treatment Referral Helpline, 1-877-SAMHSA7 (1-877-726-4727) and https://www.samhsa.gov Learn more about your ad choices. Visit megaphone.fm/adchoices

What if that ‘silly dream' you keep pushing aside is actually pointing you toward your purpose?  In this episode, Jessica and Kelly explore the significance of pursuing dreams and passions, emphasizing that what may seem like a silly dream could be a breadcrumb leading to something greater. They discuss the differences between hobbies, side hustles, and soul work, and how to navigate the fear of failure that often holds people back. The conversation provides practical steps for turning passion into purpose, encouraging listeners to take small, manageable steps towards their dreams while embracing the journey of personal growth. Inside this conversation:  Dreams can lead to greater paths than we realize. Not all passions need to become businesses. Fear of failure often silences our dreams. Every successful person has faced challenges. Courage is more important than confidence. Small steps can create momentum and confidence. Use anxiety as data to inform your decisions. Alignment with values reduces anxiety. Slow growth is still growth. Exploring passions can lead to deeper connections. Chapters 00:00 Dreams and Their Significance 03:15 Hobbies, Side Hustles, and Soul Work 05:52 Overcoming Fear and Judgment 08:31 Practical Steps to Turn Passion into Purpose 11:24 Embracing the Journey and Taking Action Connect With Us:

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First impressions are money in the service drive. In this episode of Dealer Talk with Jen Suzuki, we dig into the relational greeting — the difference between being just another transactional advisor and being the trusted pro customers return to again and again. I'll walk you through how to: Show up with the right energy (because customers feel it before you speak) Use names, humor, and personal touches to build instant trust Transition naturally from small talk to business without feeling “robo” Make customers feel like people, not VIN numbers Turn a check-in into the start of a relationship that drives approvals and loyalty This isn't theory — it's what I see working every week in dealerships. If your service team can nail this, the rest of the process gets easier, approvals go up, and income potential climbs. Dealer Talk with Jen Suzuki Podcast |

Snag Our Simplified Budget System!Budget besties, today we sat down with Addie—teacher, mom, and three months credit-card free (!!)—to untangle a super common headache: paychecks that land on odd dates and the “why does this still feel tight?” spiral. We walked through how to use a paycheck-ahead system when income hits on the 6th/21st (hers) and 11th/26th (his), how to fund spending on a predictable rhythm, and how to stop robbing Peter to pay Paul when kid expenses pop up (hello, cross-country, art club, school pics). We also dug into savings buckets done right, quick-transfer options for high-yield savings, and gentle ways to build a buffer so everything runs automagically.This is a calm, practical reset if your dates are weird, your brain's tired, and you want your budget to finally feel… easy.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

Going Long Podcast Episode 559: Unlock Financial Freedom & Stop Relying on Just One Paycheck  ( To see the Video Version of today's conversation just CLICK HERE. ) In today's solo episode of The Going Long Podcast, you'll learn the following:   [00:24 - 01:05] Introduction of today's episode. [01:05 - 09:03] Billy explains why relying on one source of income is likely the main barrier between you and attaining financial freedom, using his own story of taking action to create further income sources so that you can do the same for yourself.  [09:03 - 09:54] Billy wraps up the show.   Sign up for Billy's FREE course to learn how to make your corporate role optional in 5 proven phases at:  https://www.makeitoptional.com/ What you can expect to get out of this course: Learn How to Achieve Financial Optionality Gain True Control Over Your Career Turn Corporate Skills into Personal Assets With 26 years of experience in corporate sales leadership, achieved optionality through multiple income streams, Billy has helped dozens of executives build their paths to take control of their time. This free course gives you everything you need to identify, plan, and take control of your career while building financial optionality, leveraging your skills, and start living your IDEAL day - today! Go to: https://www.makeitoptional.com/   To see the Video Version of today's conversation just CLICK HERE.   How to leave a review for The Going Long Podcast: https://youtu.be/qfRqLVcf8UI     Be sure to connect with Billy!  He's made it easy for you to do…Just go to any of these sites:   Website: www.billykeels.com Youtube: billykeels Facebook: Billy Keels Fan Page Instagram: @billykeels Twitter: @billykeels LinkedIn: Billy Keels

The real winner of the US Open? Cadillac… It used “The Great Gatsby Strategy.”J.Crew just caused the biggest fashion drama of the year… It used AI to knockoff *itself*.Elon may get the biggest pay package in history… The 1st ever $1 Trillion paycheck.Plus, Nick and Molly's second IBO (Initial Baby Offering) has arrived and is trading on the sock market.J Crew's AI campaign:1) https://www.instagram.com/p/DNJPYOZhXSE/?img_index=12) https://www.instagram.com/p/DNI6xrttSQG/?img_index=1 $TSLA $GM $SPYWant more business storytelling from us? Check out the latest episode of our new weekly deepdive show: The untold origin story of… Subscribe to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/ to listen.NEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith discusses the factors driving rent growth, emphasizing income growth, supply constraints, and affordability.  He highlights that population growth has a weak correlation with rent growth, citing examples like Austin and San Francisco. The fastest rent growth is in San Francisco (4.6%), Fresno (4.6%), and Chicago (4%), while Austin (-6.8%), Denver (-5%), and Phoenix (-4.1%) show declines.  GRE Coach, Naresh Vissa, joins the conversation to talk about the administration's focus on lowering rates and the potential for higher inflation as a result. He encourages investors to stay informed and take advantage of opportunities when rates are low. Resources: Book a free coaching session with Naresh at GREinvestmentcoach.com Show Notes: GetRichEducation.com/570 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, vital trends are moving the rental real estate market. And learn what really drives rent growth. It's probably not what you think. Then inflate, baby. Inflate. Why this administration wants inflation today on get rich education.   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:08   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:18   You Keith, welcome to GRE from Whippany New Jersey to Parsippany New Jersey. Not much distance there and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to this week's episode of Get rich education, where it's not just about your ROI. It's about your roti, your return on time invested, and your return on life. Everyone says that population growth is what drives rents, yes, but that's just one part of it, and it probably isn't even the most important factor. There is evidence of this, from Harvard research to what HUD has found. Austin, Texas recently added 500,000 people, rents spiked, and then supply flooded in and rents stalled. Head count wasn't enough. I discussed that in depth when I walked the streets of Austin last year. San Francisco lost population, but yet rents rebounded and remain among the highest in the nation. Harvard's housing research shows that population growth only has a weak correlation with rent growth. So what actually does drive rents? Well, income growth, supply constraints, and then staying under the 30% affordability ceiling, which is HUD's definition of what a cost burdened household is, right? That means that a tenant spends more than 30% of their income on rent. That is cost burden, and this pattern holds from ancient Rome to modern Manhattan, rents follow paychecks, not head counts and on the supply side, well, not all metros are created equal. Some have quantified it with what's called a supply elasticity score, places like Houston can seemingly build endlessly, while Manhattan and San Francisco cannot. So it's that difference that explains why incomes turn into rent growth in one market but not in the other. So if you're chasing fast growing metros, okay, but be careful, because headcount does not equal pricing power. Paychecks are what do well today, rents are falling in boom towns, but they're climbing in what we would call legacy, established metros, the year over year, rent change across US, metro areas really has a striking contrast. The three with the fastest rent growth are San Francisco up 4.6% Fresno also up 4.6% and Chicago up 4% and the three biggest declines in rent are Austin down 6.8% Denver down 5% and Phoenix Down 4.1% rent contraction in those three cities. And here's the problem during that 2020, to 2022, real estate surge. Years ago, investors piled into Sun Belt markets, and they sort of expected this endless growth, but then new supply flooded Austin, Phoenix and Denver, pushing rents down and vacancies up, and all three of those are cities that I visited during the boom and I saw the. Cranes in the air myself, and yet, at the same time, older supply constrained metros, like in the northeast, in Chicago and in San Francisco, they are quietly regaining momentum. That's where demand is steady. Construction is limited, and that's why rents are ticking higher. So this is why, like I've talked about before, it's good for you to invest in some Sunbelt areas, say, like Florida and then others that have this steady demand, like, say, a place in Ohio. And it's worth pointing out, too, how unusual it is that a city like Austin has a 6.8% rent contraction. We all know that housing prices are more stable than stocks, sure, but real estate rents are even more stable than housing prices, so this rent aberration that was caused by such wild overbuilding in Austin. Now, I recently attended a presentation on the rental housing market. It was put together by John Burns. He's the one that presented it, and he's the owner of the eponymous John Burns research and consulting. And people pay good money to attend these presentations, and he's a guy worth listening to, always with good housing market insights, and some of his insights while they're the same ones I've shared with you for a while, like how there's been a persistent lack of housing supply in the Northeast and Midwest, and still an abundant supply in the south. The Northeast is the only region of the nation that's adding more jobs than new homes at this time, the top amenities that tenants want today are a driveway in a yard. Pretty simple things. They're not a pool in a clubhouse. They're a driveway in a yard. And if you think about them, it totally makes sense, and that's why single family rentals have become such a booming industry, because that's where tenants are getting a driveway and a yard and burns. Also pointed out that most US job growth is in low income jobs. The presentation talked mostly in terms of headwinds versus tailwinds. Lower immigration. Well, that's a headwind. That's a bad thing for real estate investing, since immigrants tend to be renters. The tailwinds The good thing that includes less future supply coming out of the market, fewer apartments and fewer build to rent, deliveries coming online, fewer being added between today and 2028 and another positive for the next two decades at least, is the fact that since people are having fewer kids, that makes people less likely to settle down, buy a home and need a good school district. Well, that is good for people renting longer, longer tenancy durations, and John Burns also spotlighted how building material cost inflation is up 40% from pre pandemic times fully 40% more in material costs. But that Spike has since flattened out. However, it is just another reason why home prices can't really fall substantially. Today's prices are baked in, and his summary overall is to be bullish and bet on the tailwinds those real estate investing positives that is mostly due to future rent growth because the new supply is going away, and it's going to continue to stay difficult to buy a home, more rent growth, and that's the end of what he had to say. So as you're out there, targeting the right areas and renters for your properties, I've talked before about how new build rental property is a sweet spot, since your builder will often buy down your mortgage rate. For you, new build is where you can attract a good quality tenant. Look for a moment, just forget finding a tenant that can just barely afford your unit because they're spending 30 to 33% of their income to pay you rent, because, see, in that condition, there's no room for you to get a rent increase. If you can offer great value to your residents and target a 10 to 15% rent to income ratio, aha, you are really in good shape, because the easiest rent growth is retaining happy residents that are conditioned to accept 5% rent increases. Well, that is more likely in a nice new build property. That's where you attract a better tenant. And if they were to move out, they would have to take a lesser property so they will stay and pay the rent in. Increase, and they're going to have the capacity to do so when the rent is only 10 to 20% of their income.    Keith Weinhold  5:25   Now, when we talk about a major factor that trickles down to rents, the level of inflation, a lot of this comes down to the Fed chair and even the president, to some extent. And you know what's interesting, half the nation bashes whoever is president, and the entire nation bashes whoever is the Fed chair. Look, every recent Fed Chair has been maligned and bashed more than a pinata at a toddler's birthday party, bashed open more than an umpire at a little league game. Well, since 1980 there have been five of them, Volker, then Greenspan, then Bernanke, then Yellen and now Jerome Powell, most of that group is known for substantially lowering interest rates, yet they've remained unpopular anyway. And you know the irony here? The most popular of these five is Paul Volcker. He's the only Fed chair that's celebrated, and yet he jacked rates in the 1980s to up near 20% yes, 20% he really made borrowers feel the pain, but yet he's the only guy that's celebrated, because that's how he stomped that out of control inflation fire, 45 years ago, in 1981 mortgage rates peaked between 18 and 19% yet Somehow he's the Fed share that we celebrate? Well, here in more modern times, will the Fed eventually have to do the same thing? This is because Trump wants inflation now. The short term, talk is about lowering interest rates, but there are so many inflationary forces that you've got to wonder about how interest rates could very well go much higher later to get on top of this inflation that I'm telling you Trump actually wants. Now, of course, no one is going to come out and explicitly say that they want inflation, but that is now so implied, there are a ton of policies that the administration favors that are super inflationary. Some are a little deflationary, like deregulation, but they are overwhelmingly inflationary. Look tariffs, that's inflation on goods, mass deportations, that's labor inflation, reshaping the Fed in order to lower rates. That's inflation, the one big, beautiful bill, act that's lots of spending and largely inflationary. I'm telling you, Trump wants inflation now I'm not here to evaluate these policies for being good or bad. This is about policies, not politics, and understand it's not just the US government. It's every government everywhere that secretly wants inflation. And why do they want that? Well, first, it fuels spending. If you know that your dollars are going to shrink in purchasing power tomorrow, well then you're going to spend today, and consumer spending makes up 68% of us. GDP, yes, Amazon, thanks, you. Secondly, inflation shrinks the government's debt. The third reason that governments everywhere want inflation is because it foils deflation. In a deflationary world, people hoard cash like its gold bullion, tax revenue dries up and the economy stalls, and also inflation. It facilitates wage adjustments. It helps the labor market function. If economic conditions are weak, well, then employers can implement real wage cuts just by keeping salaries flat right where they're at. I mean, that is so preferable to cutting nominal wages directly and giving employees a pay cut notice. Everyone hates seeing that. So those are what four big reasons why governments will take their gloves off and fight in a steel cage match to the death to ensure inflation. So most expect a rate cut at the Feds meeting next week. But if this continues and there were massive cuts, you know, there's something else you've got to ask yourself, do you really want to live in an economy where massive rate cuts occur. I mean, that's what the 2008 global financial crisis and the covid pandemic in 2020 brought to us. So massive cuts mean there's some giant problem out there. Therefore, although the Trump and Powell rivalry, it might make you. Interesting theater and headlines. You know, let's not get carried away. Let's put things in perspective. What matters to you more is how many dollars you're leveraging, the efficiency of your property operations and the quality of your business relationships. Really, the bottom line is that fed tweaks are background noise inflation, that is the long term engine that makes your real estate profitable. Focus there, and let the politicians keep doing the yelling concerns about ongoing inflation and what that means for real estate investors, that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  8:57   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  8:57   You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family. 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family, to 66866,   Ken McElroy  17:26   this is Rich Dad advisor Ken McElroy. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  17:34   we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach since 2021 he's helped you completely free, usually over the phone, learning your own personal goals and then helping you find the market that's the right fit for you, and even help connect you with the exact property address that helps you win the inflation Triple Crown, like say, 321, Mulberry Street in Chattanooga, Tennessee. They say that formal education will make you a living self education will make you a fortune. Well, he's got them both. He's slinging an MBA, and he's an active real estate investor just like you and I. Hey, welcome back to the show investment coach and race Vista.    Naresh Vissa  18:25   Hey, Keith pleasure, to be back on.    Keith Weinhold  18:27   Inflation is something that affects real estate investors even more so than it does the general public. Since we're borrowing large sums of money and the inflation discussion sure has been interesting lately, you just can't quite get rates back down to 2% still, they've been elevated for years. So talk to us from your vantage point about inflation and future inflation concerns.   Naresh Vissa  18:51   Well, Keith, I am concerned about inflation. This is the first time in a year or so that I'm concerned with the direction and with the policy surrounding inflation, here's why. And I brought this up when I was on your podcast in July, the current administration is not talking at all about the fact that inflation is rising. We saw the CPI, for example, hit 2.3% which was four year low earlier this year, and since then, inflation has gone up. That is concerning, that inflation is going back up without any rate cuts. Yet it's gone back, I don't want to say gone back up, but it's gone up. And remember, the Federal Reserve inflation target is 2% so we want to get as close to 2% as possible. And the number one issue in the 2024 election, and the number one issue today is still the cost of everything is right, is too much, which we'll talk about, from gas prices to home values to rents to grocery that's the. Big one, the cost of groceries, the stuff that you buy at grocery stores, etc, everything is just too expensive. Of course, education, you name, childcare, everything is just too expensive. Inflation is still, I think the administration needs to really tackle this problem. They need to really, really tackle it, because it is the number one issue. It is what people essentially, their vote is, is based on it's not necessarily based on some peace agreement in a foreign nation. It's not based on some social issue. The number one issue is going to be this inflation problem. It's are things affordable? Do I have money in my bank account to pay for X, Y and Z? So I am concerned because, yes, tariffs are inflationary. That's kind of common sense. Now I think tariffs can be good. Tariffs can keep inflation in check. If they're handled the right way, we will see that. But my bigger concern is that inflation has been rising. We're not anywhere close to that 2% and we know with a very high degree of certainty that the Federal Reserve is beginning their rate cutting cycle next week with the September rate cut, and that's going to be extended. We've seen President Trump. He's very public, his Treasury Secretary, his Secretary of Commerce, all the economic advisors who he has, they're very transparent about the fact that they want rates slashed, and they want rates slashed quickly. And so we know that we're going to get a rate this is going to be a rate slashing cycle. It's going to be great for the upper class, if you want to call it, it's going to be great for real estate investors, but for the common man, the byproduct of that is going to be higher inflation. There's just no way that you can cut rates so quickly, so low, and you're not going to see inflation. That's my concern. Now on the other hand, and again, we have to see how this plays out. On the other hand, I brought up earlier this year, I've referenced Doge. I think Doge is doing a good job cutting government spending, trying to scale back some of the government initiatives, not that the government's always going to spend we know that, but it's you need to cut back, and doges is trying to do that. That's a plus. But even bigger, I talked about some foreign wars, right? Well, I think that the Middle Eastern conflict and the Russia Ukraine conflict, both of those actually are disinflationary, or fixing those conflicts, creating peace. We've seen a ceasefire in the Middle East. We've seen a peace agreement in Ukraine, and they're disinflationary because of some of the items that I brought up. I think oil is going to dip below $50 a barrel as a result of these peace agreements, these ceasefires. So we're going to see oil prices go down. When you see oil and energy prices go down, you see the cost of almost everything else go down, because you need oil and energy to transport everything else. If you're building a house, you have wood and steel and lumber and and all sorts of materials. And it's you need a truck to transport all that. And the truck is probably it's not an EV truck. You're getting these big trucks that are using diesel fuel. So if we can bring down the cost of of oil and gas and electricity, which these taking care of these conflicts will do, creating peace will do the price of those products, oil, the natural gas, the electricity, the wheat, the grains, those are your groceries. The cost of those are going to come down. So I think it's very positive what we're seeing with this idea of peace in regions that make a huge difference to the global economy. So I'm curious to see, like I think we could see greater than 100 basis point decrease in inflation just by solving these conflicts 1% or more, like I legitimately think so, and that's without the tariffs. That's without the federal rate cut. So even if we're at, let's say, two and a half percent inflation today, and you shave off 100 basis points up now you're at one and a half, and then you throw in tariff inflation, you throw in the rate cut inflation, and we're around 2% so that's the ideal scenario that the administration is hoping for. It's let's create peace, let's have a freer market, and then they can scale back a lot of these tariffs too, because many of these tariffs against India, for example, they can scale back the United States can scale back the 50% tariff on India. That tariff was India got hit with because they're buying Russian oil, and you take care of the Russia conflict. Now it's we say, oh, India, you know, we'll scale back to go back to your 25% tariff, or maybe even less, if you do X, Y and Z. For us, we can expect to see many of these tariffs scaled back. We can expect to see the price of specific goods and services, the prices decrease, which will bring down inflation. That's what I'm optimistic about. Hopefully all these agreements hold, which I think they will, and we can expect that, and the Fed can begin its rate cutting cycle, and everything will be booming, and everything will be great. This is the. Deal scenario. I'm not predicting this. This is the ideal scenario for the administration,   Keith Weinhold  25:05   when both war and terrorists get as bad as they can possibly get. From there, they can only get better, each of which would be disinflationary. Now, the CPI inflation has been reported at 2.7% each of the past two months. But when we talk about rates, Trump wants lower rates, of course, and I think we all know that the Fed's fear of lowering rates is that high inflation could resurface. One thing though, that few think about is that lower rates lead to higher inflation, which kills off the national debt faster. But when we think about upcoming federal reserve rate cuts anytime, whether this was 10 years ago today or 10 years into the future, these are the type of lessons that I like to talk about. All right, when we look at the last Fed meeting, there was no rate cut, but then awful jobs numbers were reported right after that. That's why some think that there could be a 50 point rate cut at the next meeting. The Fed meets eight times a year, so there's about a month and a half between meetings. Now, the Fed doesn't have to wait for a meeting to make a rate cut. They can do an emergency rate cut between meetings, like we saw during covid, but sometimes they're reluctant to do that because that really spooks markets, and that makes people think, oh my gosh, there was an emergency rate cut. Maybe things are worse than we thought. What's going on that triggers concern?   Naresh Vissa  26:24   Well, I think that would be a huge mistake to have an emergency. Yeah, anatomic was obviously an emergency. That was a global emergency. Makes sense. 2008 I remember, I was just college student, but that was an emergency because we saw people lining up on the streets of Manhattan with all their boxes of laid off work, and we saw that on Phoebe. You know, that was a trying time. I think that's out of the question. It's completely unnecessary, especially when the Fed meets every 45 to 50 days. It's, you know, you can wait another 20 days until the next meeting and then make a decision when you have lower rates than the cost, the borrowing costs on the debt, it goes down so the government can refinance its debt, and they would pay less keyword interest dollars. That's a plus, the other plus with tariffs. And I really hope, again, this is just my opinion. I hope this is what happens. But the government is raising quite a lot of tariff revenue, so close to $30 billion last month. And we can expect, in the first full year, next year, it's going to have raised close to half a trillion dollars just for fiscal year 2026 that's the expectation, about half trillion dollars worth of tariff revenue. And I hope that the government uses that pair of revenue to pay down the debt, because when you're paying down the debt, you're dissipating inflation. What I actually don't want them to do is to give us back that money, because they've been floating that around, saying, Oh, we got all this tariff revenue. Let's get it back as a tariff dividend, and every American gets hex, you know, $100 in their bank account or something   Keith Weinhold  28:01   very altruistic. Of you patriotic,   Naresh Vissa  28:04   I would much rather that they use 100% of it to pay down that debt, because the country is going to be better off as a whole over the long term, and in turn, the people will be better off over the long term. The people may not see it. They may want their $200 check or $100 check or whatever it might be, but over the long term, I think the tariffs are overall working out quite well. We're not seeing the crazy inflation that the mainstream expert predicted. I don't think we're going to see the crazy inflation that the experts predicted, if you it's not going to be because of the tariffs, in my opinion, I think it's going to be if there's this aggressive rate cutting cycle that juices the markets and the cost of everything just just goes up. And this ties into real estate investing, because when the Fed starts cutting, that's a very good time for real estate investors to pay attention when the Fed stops cutting immediately. That's a an even better time to pay attention when the rates have bottomed. And this has to deal with timing the real estate market. I'll give you an example. I own several properties. Of one of my properties when the Fed was cutting in 2020 it took about a year for all those cuts to permeate into the mortgage market and into the the market as a whole. It took it. The inflation didn't go up overnight. The inflation didn't go up in April of 2020 or or May of 2020 it went up in April of 2021, it took about a year. So I actually refinanced one of my properties in July of 2021, I refinanced my my property, and I saved about 110 basis points on that refinance. And that's what I mean by timing the market. Because, if you're paying attention, part of it was I knew, Okay, the Fed has stopped. It's cutting. And you know, let's follow the more. Good market. Let's follow the Treasury yield curve and all that. And I jumped in. I literally refinanced at the bottom, like at the absolute bottom. There was about a three month window that was the bottom, and I refinanced. I did the application all that at the beginning of those three months, and it was and I got that great rate at the end of those three months. And I think there's going to be a tremendous opportunity for real estate investors. And I'm sure the Bane This is why I'm a little concerned about inflation as well, because the big hedge funds, the big real estate investment firms, the big banks, the blackstones, the blackrocks, they're going to be ready, and they're going to buy up. They're going to buy up real estate again, and investors, including our GRE investors, they're going to start buying up too. So pay attention. We're going to cover it here. We're going to cover it here, on the podcast and in the newsletter. But pay attention to these rates, because it'll be, I don't want to say, a once in a lifetime opportunity, but it will be a once in a cycle type of opportunity to jump in and get some bottoming real estate values as well as bottoming real estate mortgage rates at the same time. So that equilibrium point is only, like I said, about three or four months long. So we're going to be coming to that point and timing it sometime, I think next year, 2026   Keith Weinhold  31:21   talk to us about the vibe that you're getting from GRE listeners that contact you for a free coaching session. It's really hard to time the real estate market. Why don't you help us out with that? Let us know about a listener or two that you recently helped.   Naresh Vissa  31:37   Well, we have free real estate investment coaching here at GRE. It's absolutely free of charge. You can call, text me, email me whenever you'd like. People can book a free meeting with me, and it's a session. It's an immersive session on real estate investing. So we can go over all of that on our call. You can reach out to me unlimited times, like I said, it's I'm here just to help you throughout and along your real estate investment journey, I've helped hundreds of people invest in real estate, hundreds so it's buying turnkey, cash flowing real estate properties, so our investors can buy properties, and use my guidance and advice to help them buy properties. I also help them if they already own properties, how to optimize their portfolio, how to find new markets. I help them with their existing properties, dealing with property managers, with contractors, even with issues that things aren't always great in real estate, sometimes things can be bad. So listener Paul, for example. Listener Paul, he had a problem with the builder, and he submitted earnest money, and he wanted his earnest money back. Many, many years had gone by, and he came to me and he said, Hey, Naresh, you know, I've got all this money tied up, and the builder's not giving me the money back. Can you help me? And so I got him in touch with the right people, and within three or four months, he got all of his money back, plus interest on all the missed payments. So he got everything back as a lump sum, and then he thanked me and said, Thank you so much. I can sleep better at night, and I'm just I'm doing very well now, and he was ready to buy his next property.   Keith Weinhold  33:15   That's an example of where a deal went wrong and the builder didn't perform and build a property.   Naresh Vissa  33:19   Yes, exactly. Think of me as a trusted advisor, but also as a super connector, someone who can get you in touch with all the right companies and people to make real estate investing very sound. We have listener Joe, who bought many properties through us. He bought his first property through me and through GRE through our coaching program, and that first property worked out really well. So then he said, Hey, I want to buy a second property about six months later. So he bought a second property, and that worked out well. And then he said, let's go with it. And he bought all these with the same provider. So once he reached four, because my rule is, you don't want to go more than four or five in one market. Then he asked me for the next he said, what market do you recommend next? So then I recommended the next market, and then he bought another three or four in that market, and he built a nice little portfolio of seven or I mean, some people think it's little, some people think it's big, of seven or eight properties. So that's very common with the coaching program, where our listeners are really happy. If things are going great, I'm here for them. If things are not going the way that they expected, I'm here to help fix that problem.   Keith Weinhold  34:30   Maurice, is there to help you start building and grow a portfolio. Now, how do you yourself analyze deals and find properties before you let our listeners know about them?   Naresh Vissa  34:40   Well, we work with 15 to 20 different providers around the country, 15 to 20. So these providers are always reaching out to me, emailing me, calling me, leading me voicemails, texting me, saying we've got this great deal. We've got this great incentive. So I parse through all of that, and I find a handful of what I think is best. US and many of these deals, I send them to you, Keith, to promote in your Don't quit your Daydream newsletter, which people can subscribe if they go to get rich education.com. I send them there, and I let our listeners know on the phone when they set up calls, or I have notes on every meeting. So I'm able to send all of these deals to them, and that's how I put the best deals in front of them.   Keith Weinhold  35:25   Most of the coaching calls are over the phone rather than zoom the race. Sure can arrange a zoom call with you if you prefer. You really don't need to do too much to prepare for the call either.   Naresh Vissa  35:38   No, not at all. Just sign up for the meeting, and I'll run things. I'll run the meeting, I'll run the call. It's very straightforward. It's a session. It's very immersive, very interactive.   Keith Weinhold  35:49   Yeah, and you just have to book a time with Naresh once there and afterward. Yeah, it's really casual. Naresh is very open to you text messaging him if you have any ideas, or if you just heard about something on the show that you want to know more of. But yeah, booking that first coaching call is really what opens the door to the communication. And you really staying up to date on things. You can find a race through GRE marketplace. And alternatively, you can learn more about him with his bio. And importantly, book a time on his calendar by going directly to GREinvestment coach.com for a while now he's had times available Monday through Friday, and even some weekend slots available, and yeah, keep in touch with him, because property inventory is ever changing, especially with late breaking news like we've had this year of Home Builders Offering major incentives like buying down your mortgage rate to about 5% so staying up to date has hopefully brought you, the listeners, some really big wins already this year. Naresh, do you have any last thoughts?   Naresh Vissa  35:49   Definitely book a meeting with me. You won't regret it. I think even if you think that you own all these properties, you have all this experience, I think you'll find that the resources we offer it through our free coaching program, there will be one or two nuggets that you didn't know about that will still help you. So it doesn't harm anybody to book that free session with me. If you don't think you need my help, maybe it's just a five minute call and we touch base and we're good to go. That's fine too, but I highly recommend that people get in touch with me. We go from there so that you can continue to have a fruitful investment journey.   Keith Weinhold  37:28   Naresh has been valuable as always. Thanks for coming back out of the show.    Naresh Vissa  37:31   Thank you very much, Keith.   Keith Weinhold  37:38   Yeah, some sharp insight from Naresh as always. Now, when you think about making your next property move, consider how, compared to a few years ago, uncertainty has largely abated and real estate has stabilized. Think about how back in 2020 covid was the big uncertainty concern 2021 it was this real estate boom and an inventory shortage. You would get 50 or 80 offers on one property, and buyers were waiving inspections. That was tough. That was such a seller's market in 2022 that's when you had inflation and the supply chain chaos. That's when CPI inflation peaked at 9.1% in 2023 the big uncertainty concern was interest rate shock and the affordability crisis. And last year and this year, they've pivoted more to macro economic concerns. So therefore today's chief concern gets somewhat more buffered from real estate. Now I discussed the direction of rents earlier in today's show, the recently released Kay Shiller numbers came out, and they show that national home prices are up almost 2% annually, 13 cities or higher and seven or lower. By the way, this continued nominal price appreciation that frustrates the bejesus out of those perpetually wrong crash predictors. They have been wrong even longer than the people waiting for flying cars to show up. And where will prices continue to go from here, probably even higher now, America just hit somewhat of a milestone in this cycle. You might remember that mortgage rates peaked at 7.8% almost two years ago. Well, mortgage rates have now slid down to six and a half 6.5% and here's why this has become significant, right? Just compared to when rates were 7% per the nar 2.8 million Americans now qualify to buy a home. 5.5 million more will qualify at 6% and 7.7 more will qualify at five and a half percent. My gosh. Now. Now, of course, not every newly qualified buyer is going to pounce on a property, but only if a fraction of those do. Can you imagine how this demand increase will stoke prices? There are still only about 1.1 million homes available today. So not only are mortgage rates at a fresh low, but inventory choices, although they're still historically low, they are now at a six year high, and this is all while there's less buyer competition. So today's buyer conditions are really improving, and the bottom line here is that you are in the best position in more than five years to find the right property while still avoiding a bidding war, you have really got some properties to choose from. That is the takeaway, and you don't need to do much to prepare for an immersive free call with Naresh. You know what your situation is, although you probably do want to have about a 20% down payment for a property ready to go, some of which cost as little as 200k in these investor advantage markets, whether you've never bought any property in your life, or if you have dozens, it probably will benefit you. You can easily book a time that works best for you right on a GRE investment coaches calendar that way. There's no back and forth, and you can set it up now. Should you so choose at GRE investment coach.com Until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 3  41:38   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  42:02   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point, because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre, 266, 866, while it's on your mind, take a moment to do it right now. Text gre, 266, 866,   Keith Weinhold  43:18   The preceding program was brought to you buy your home for wealth, building, get richeducation.com

In this episode, Scott Becker reflects on a tweet highlighting how even high earners can struggle financially if they overspend.